A really good minister is a blessing. a mediocre one is not. In my opinion the discussion should be from you, or with you and your wife, to them. Establishing a realistic budget is impossible with car payments and home payments that are out of alignment with earning potential. The children are going to cost more and more as they transition into teen years. Though they won't like it, discussing real financial stability can assist in getting out from under a repossession of either. When individuals feel entitled to an income level, and have experienced it, backing away is difficult. Accepting responsibility is the foundation. Getting into a different home, is reasonable even if less prestige. If it can be done with bank acceptance and no bankruptcy. Trading the expensive to own/operate/insure car to someone so they take over payments and the family gets a reliable older car is one possibility. Enablement in the rebuilding of a positive cash flow direction is flawless, enablement that is continuing their dependence on handouts fails every time for both parties, and teaches bad habits. Best of luck. Jim
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Today's Featured Article - A Lifetime of Farm Machinery - by Joe Michaels. I am a mechanical engineer by profession, specializing in powerplant work. I worked as a machinist and engine erector, with time spent overseas. I have always had a love for machinery, and an appreciation for farming and farm machinery. I was born and raised in Brooklyn, New York. Not a place one would associate with farms or farm machinery. I credit my parents for instilling a lot of good values, a respect for learning, a knowledge of various skills and a little knowledge of farming in me, amo
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